Top 10 Epic Dave Ramsey Rants
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- Опубликовано: 30 май 2024
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“Not 20% but not a bad tip” got me rolling
Made 11k seem small 😂
"Millennial is an age group, not a mindset." Thank you Dave for this statement, I have been trying to explain this in 1000 words or less for 2 years!!
I'm a millennial and I work 300 hours a month. Six figure incomes are hard earned, not given freely. "Be the change you want to see."
My daughter is a midwife, makes 100k a year and is 28. She worked hard and smart.
Z generation are worst
@@alexgg7499 How so?
Yes, the the baby boomers were exactly like millennials at their age. A Hipster in 2015 is a Hippie in 1965. It's a variant of the same thing in a different time.
Jay-Z spends $91K whole worlds knows what liquor he drank. That's $91k for a very successful promotion.
@Thomas Borisov Hey, good business. Buy your own product, and tip generously
@@matthewsawczyn6592 Except the tip wasn't even 15%
@@matthewsawczyn6592 Give your own product away, and it's now marketing the product. He's having fun and promoting the product.
I see a lot of people complaining about the percentage let’s be honest the wait did no more work bringing in 40 dollar bottles and 300 dollar bottles in. I know it’s tradition and good manners and I’m not implying the waiter didn’t work hard, but does the 40 dollar waiter deserve the tip any less than the 300 dollar one. Maybe they’re servers or whatever not waiters still point remains. I feel like at a ludicrous amount like 90k 10k is generous regardless of percentages
Exacly what I was thinking.
Saying NO to myself was the hardest part of this journey. Once I learned it, loved it, and embraced it, I started making real progress on my debt.
that's the real baby step 1 lol
AMEN ,BROTHER THATS A MOUTH FULL.
Agreed. I been paying off my debt. One more paycheck and I'm done. Will start building my emergency fund past 2K and go from their and start contributing to my investments.
Confession: Any time I get the urge to spend my money on something stupid I come and listen to Dave Ramsey, and feel guilty so I don’t buy anything anymore.
Ha, yeah, that's relatable.
That's actually a good thing :)
Lol. Me too! 😂
I need to do this
Bravo!
My dad said to me when a got out of school. A car is to get you from here to there. It is not a investment. A hoopty car is a lot more carefree. You can park next to the shopping cart rack. You can go for months without washing it. Insurance is lower in cost. I am a millionaire but still drive a hoopty because they are a lot less work.
I'm watching this at a low-ish volume at night with my husband asleep hoping that these rants will go into his subconscious. He's not against this stuff, but he just needs it to get deeper in his beautiful brain.
Salem Thorup I love your passive aggressiveness. Mirrors my own.
I feel you
😂
😂😂😂
that's hilarious haha
Small correction:
A person like Jay-Z who makes $42,000,000 a year and spending $100,000 on a bar tab in one night would be likened to someone making $420,000 a year and spending $1,000 in a night, not $100. Yet still, that happens all the time. It’s also likened to someone making $42,000 a year and spending $100 on a night out, which also happens ALL THE TIME. Love Dave Ramsey, just a small correction.
That's not a small mistake, especially when you're talking about money.
@@1080lights not a small mistake but same concept. Even at $100 for someone making $42,000 that’s not going to break the bank if it’s only for special occasions and you’re not drowning in debt.
Also, majority of the tabs were paying his own brand of liquor. So… he’s actually saving money while looking super good!
Thanks for that @Paulserna. I kept thinking I was crazy cause I didn’t get the same number. Completely agree that spending at the same ratio at lower incomes is not uncommon.
I love the expression “the worst car accidents happen on the showroom floor” so true
Sometimes the worst car accidents happen in the back seat!
@@om617yota8 you're the product of the accident
@@Kanal7Indonesia I doubt that me being conceived had even that much planning behind it.
I love your avatar
"Bitterness, envy, jealousy predisposes you to continue to be a failure in life... so if you want to throw stones through other people's window because you don't have what they have, I will tell you that predisposes you to NOT win." Well said and good advice to heed.
He's such a blessing to me. Stay strong out there everybody. We got this!
Leigh Anne Thomas
Amen!!
Leigh Anne Thomas thanks girl you too
Ashley, you from TN?
I could be a blessing to you too
"Millennials are an age group, not a mindset." WELL SAID! I love that you went out of your way to even say this.
“If you wanna make more than jay z, DO more than jay z!” PREACH DAVE PREACH
@Remedy or sell your soul?
Everybody have skeleton in their closet what's yours?
How do you know what he's done to get to this level? Sometimes it's talent, sometimes it's much darker. All of you, including Dave, shouldn't be discussing someone you don't know on this manner.
@Remedy do you have any clue how many have did illegal things to start their business? I bet you couldn't do what he did if u had the access to it.
Wrong, Jay z sold drugs before he got a record deal. Drugs have nothing to do with his success. He’s just a brilliant business man. Regardless of what his past might have been.
Hogan: Top 10 Inspiring Quotes
Ramsey: TOP TEN TONGUE LASHINGS
I love when he says "STUPID" is like a wake up alarm🤣🤣🤣🤣🤣🤣
0:00 - #10. Jay-Z Spending $91k In One Night Shouldn’t Make You Mad
17:45 - #9. The Power Of Choice
27:22 - #8. Nobody Cares About Your Car
29:47 - #7. What The Credit Card Companies Don’t Want You To Know
38:58 - #6. How To Make A Smart Car Purchase
43:48 - #5. How To Be Good With Money
51:38 - #4. The Death Of Toys R Us
59:30 - #3. Leasing vs. Buying A Car
1:08:28 - #2. The Best Way To Invest Your Money
1:17:49 - #1. Over $1 Million In Student Loan Debt
Lee Christmas very gracious of you. Thank you. 🌸
@@eca2641 it was kinda fun... helps me listen better! :)
✊🏾✊🏾✊🏾
Thanks
Very helpful, Lee! Thanks!
"Don't spend more than you have." Tru dat, tru dat, tru dat.
I am a Muslim from the UK and I love listening to Dave’s content. Although I have no idea what a Roth IRA is, cannot comprehend how you can be in hundreds of thousands of dollars worth of student loan debt and have medical bills in the tens of thousands of dollars, the skills and values this man teaches through his genuine faith are universal to all
Our health care is pretty pricey. Insurance sometimes doesn't cover it or they didn't have it.
What about the medical bills you don't understand ? And being muslim is also irrelevant. Everyone needs financial literacy. Just like nutritional literacy
@@goodone8041 here in the UK healthcare is free
@@BernardM28 it’s not free, the cost is distributed over other taxes you pay.
@@jochem1986 dude taxes in the UK are still lower than USA. So you pay higher tax and dont get healthcare. Thats how inefficent USA is.
Yooo dave ramsey is living rent free in my head. I feel like hes watching me anytime i go to buy something stupid....
How many people have driven a car so bad that if you'd put 4 new tires on it you'd double it's value??? I lost it.
I had one that was so old that filling the gas tank doubled its value.
Oh I've been there 🤣🤣
I felt this, and i have that car still and i keep her running cus shes a good car. But im happy i got something much newer with nearly 3 times the fuel efficiency.
Yes! Totally was in that situation
CHARLES YOUNG: I had a 1984 Chevy cavalier station wagon (beige, of course). We named it "Puff, The Tragic Wagon".
This would actually be someone who makes $42,000/year spending $100 in one night. No big deal. And he got some marketing out of it. You're awesome, Dave!
Ryan Duke yeah Dave missed a zero on the math, but that's still only .2% of his yr income.
Excellent analogy. It's all relative based on your income and worth.
I assume with the free press he got for his line of drinks, he made that money back right away
@@Am-Not-Jarvis Absolutely, and what's wholesale price? Say %50 of the cost, so roughly %50 of that bill is already going back to him by the replacement of his own product. So he really only spent about 50-60k, or 0.12% of his income.
Funny thing is that looking at expenditure/income ratio doesn't even tell the whole story about how potentially insignificant $100k is to someone who makes $42M. In practical terms, it's almost immeasurably insignificant compared to a person making $42k spending $100 because there's such a universe-sized disparity in raw disposable income between to the two. To someone bringing home $42k/yr, losing $10k to a bad investment might be pretty crippling and set them back years on their goals.A loss like that could mean no family vacation or no new car that was on the horizon. On the other hand, while a $10M personal loss would still be devastating even to someone bringing home $42M/yr, they still have 32M reasons why their lifestyle or medium-term financial outlook probably won't take any practical hit. Plus, they have the resources to make that money back if they so choose. Someone making $42k/yr and who just lost $10k probably doesn't begin to have that kind of buffer, relatively speaking.
"I just didn't eat as much!" Wow, that dad gum insightful! I had a roommate that would lay on the couch, shoving food in their mouth, and watch "biggest loser" and cry "I wish I could be like them" True story.
"Be careful of jealousy and envy." "I'm not mad at Oprah, Warren Buffet, Bill Gates...They all have more than I've got and quite frankly I'm glad they made it. They all came from nothing by the way." REAL talk.
Warren Buffet's father was a congressman
@@squarecracker no they were poor
@@squarecracker Always has to be an excuse for your failure, right?
@@squarecracker Says nothing. He chose to start investing in his teens already. Maybe before it, I'm not sure now. But he got where he is now by investing, not outspending.
@@JFDSmit-rm6tw it objectively debunks the idea that he 'came from nothing'.
Watching from 2020 and Dave... one of the first things that really clicked for me with you was watching you shut down other people trashing millennials. As one of those debt free, full time + side hustle, beans and rice millennials saving for my dream... a house of my own, it's such a breath of air to hear you constantly, constantly remind others that many people in my generation are hard working go-getters!!
Beans & rice with homemade cornbread actually was our “go to” meal at least once a week! Mix it with a cheap canned ham (on a good week) or a hambone (on a lean week), onion, & pepper sauce and it’s mainly healthy & pretty filling for super cheap! I realize you don’t mean that literally, but it was literal for us! We actually had this meal in several options! Very yummy!
Wait, he didn't mean it literally? Boy have I been wrong all of this time listening to Dave lol
Wait, you make it with ham? I thought I was supposed to do it with chicken... I'm a Canadian, dont judge me lll
@@Mimi-cq4bg can use ham or chicken. Some even fry pork chops
It is meant literally. He means to eat really really cheaply so you can get out of debt. Beans and rice are super cheap.
Who eats canned ham. Lol 😂
Dave dropping absolute Gold. This knowledge cost Dave millions of dollars to figure out because we all do stupid in earlier life, and we get it for nothing! Absolute legend.
Love the no-nonsense attitude from Dave
Excellent show, traditional values, common sense, biblical scripture, authentic, practical, wise. Thank you Dave!
I'm British and just discovered Dave Ramsey. I personally like logical straight-talkers!
I only wish I could thank this man for sharing his knowledge, discipline and encouragement. And Hope.
You did😊
While i wish i made 42 million a year rather than the $20,000 i make now i would never say anything bad about someone making that much money. 99 times out of 100 they have worked their butts off to get there. Good for them!
Ratios aside for a moment...
Buying $91,000 worth of alcohol is promoting drunkenness.
It really doesn't matter how they got their money, it is THEIR money. It is sad that the government can take it some of it away and give it to someone else that does not do anything to earn it.
Thanks Dave, take me 18 month but 32k off of debt. 5k Emergency fund and starting 25% Dw Pymt for a house.
eagles, boston, journey are ICONIC bands! i still listen to their songs and im in my 20s
Don't Stop Believing yea Journey and Dream on by Aerosmith! Classic and uplifting songs
"I mean c'mon Becky , REALLY ?!" - I died
That was hilarious 😆 😂🤣
😢 Becky drops her bowl of rice and beans
Dave: “don’t come for me when I didn’t come for you!” 👏🏼👏🏼👏🏼
I always love when Dave gets a little high on himself. He's so humble all the time, when he says "I'm gonna make it" or "I don't have any retreads now" it's like him slapping the face of everyone that told him he wasn't going to amount to anything and it's empowering.
"How many of y'all have driven a car that was so bad you had to give it a name?"
Orange Crusty, Green Bean, and Grumps lol this hits too close to home for me...
I have a 21 year old van with a broken frame. We call it Woobles.
I had a car all covered in stickers to hide all the rust,when I got a new (used)car my boyfriend said we had to start out stickers again....what for I said ,there is no rust yet😉
Dave's math was off on Jay Z. It would be 1000 and 100 redpectively, but his point is spot on.
I was thinking the same thing haha
Same!!! Lol
No it’s not 42,000,000 / 420,000 = 100. 100x100= 10,000.
420,000 / 42,000 = 10.
10x10 = 100.
You did your math based on 4.2M not 42Million - I did the same thing until I pulled out my calculator.
Nope. You have to take away two zeros.
Check your math again
It's not really financially related but why does someone think it's ok if they're an employee of an establishment and think it's ok to post a receipt of a customer online or to share it at all. If I were that person's boss that person would be on the street as soon as I heard about it
free jay z advertisement
@@hlboerr Exactly! Jay Z is a smart business man. He knows the media would break down on what he spent that money on. Surprise his own brand, so his brand will be all over those paparazzi magazines and tv. No wonder Jay Z is rich. He knows how to get free advertising.
It was Jay Z, everyone knows he's rich.
Valid point.
NegatveSpace exactly I agree 100%. Imagine what would happen if you don’t tip them like they think they deserve.
My car's called Frankenstein. I've got parts from so many other cars on it I've lost count.
And I just had the brakes overhauled on it. The bill was definitely more than the car is worth.
@@relevantEpsilon But you can yell, "IT'S ALIVE!!!"
relevantEpsilon mine is Betty Lou 1999 Honda accord
Mine is called Morpheus. It is a black Toyota matrix. Almost has 200,000 miles on it.
Mine's named Hank from King of the Hill. Before that, I had Ol' Top because that's what Buck Strickland called Hank. Hank's staying with me until retirement.
My favourite "adapting to change" story following number 4. A group of boys found a popular Pokèstop that was in the middle of a park and set up shop there with snacks, drinks and phone chargers. Called it the Pokèshop. 10/10 adaptation.
The people who become successful are almost always those who celebrate the success of others. MAN THIS IS EXACTLY WHAT I NEEDED TO HEAR!!! thank you Dave !
I respect how open minded you are 👍🏼 ... being religious & not trashing rap
Being religious is definitely not being open minded. You literally believe in something for which there is no good reason. Old collections of books, what some pederast said from the pulpit, what your mommy taught you, or "how else could it have happened?" are not good reasons.
Joe Coolioness you don’t understand Christianity at all lol
Joe Coolioness the irony of your comment. 🤣
@@joecoolioness6399 talking about things you have no idea about makes you look bad
Joe Coolioness There’s no good reason not to believe, by your logic. Take care of yourself!
I think thats actually awesome that he gave his friend a birthday party that he thought warranted ~$100k of his own money to celebrate it. That's a friend right there
Then I must have no friends 🤣🤣
Hahahaha! I love the fake voice he uses when he wants to play a different person!! Lol 😂
Jay Z didn't even spend $100,000. Part of it was his own brands of drinks: that's just shuffling money from one pocket to another.
The sucky part is, in doing so, his spending that way allowed the govt to collect tackses on it. (Intentionally misspelled)
@@DanielSwartfiguer Actually, I'll bet you 20 bucks that he deducted it from his taxes as an advertising expense since he was promoting his brands. You paid for that party.
That is business ethics. If it's not his own restaurant, he is another customer who pays for what he orders.
@@Michael.Reilly That's not how taxes work either. The total amount of all the taxes in the country never gets reduced. If Jay Z isn't paying, somebody else is making up for it. You.
torchandhammer
No they aren’t.
Hand me a nickle while taking 100 out my back pocket--Dave Ramsey. Intelligent.
Not to mention since he was purchasing his OWN BRAND... he was making money off of his purchases. If he makes only 10% off his product, that’s still over $9,000....
I listen to Dave because what he's saying is absolutely true, I think how he comes across is great, because sometimes people need to hear the things he says. I'm one of those people. Doing my best to change.
Hows it going bro?
@@nsant no response
When Jay-Z spent his money that night, he helped people stay employed. Vineyard staff, delivery drivers, bar staff, manager, cleaners, etc.
Samantha Peters And the dealers
Totally agree
Yepp plus he is super rich and can do as he pleases with his money
And how much free advertising for his brand of alcohol ahead of New Year's Eve...
ya, rich people are always helping poor people make a living....give me a break.
Trickle down doesnt work. His money could have literally been handed to these people and he would have made their lives better, instead he put a significant portion of it into the pocket of the owners, making them more rich.
I love his tough love approach!!
"It's not tough love ... it's just love!" - Dave Ramsey
“In other words, he’s ok.” 😂👌
Whenever I think about buying something that I don't need and can't afford, a good old fashioned Dave Ramsey rant is all I need to set me straight again!
Jay-Z paid off a lot of other people's bills in one night. And a 11k tip is charitable giving.
Rap wasn’t invented when I was cool 😂😂
Your always cool Dave!
Dave said, "Dont come for me...I will clap back" 😂😂 yes!!
I’m hooked on your show. Your listeners can learn sooo much by listening to you. I love Jesus and God too. “Change, just change.” People love to come up with all sorts of excuses for whatever the want for them to stay in their comfort zone(s).
Love the the analogy
You put the whole thing into perspective for me thank you. And you're right ..not mad.. he ABSOLUTELY could afford to do it..
Even by your standards..lol
You know some people would rather give their money to the people who earn it than to the government who give it to people who don't earn it.
Yes get the POPCORN!!!!
I love angry Dave!
🍿🐸☕
I appreciate your thoughts Dave. Let's not shame the wealthy for living like we wish we could 😆
I'M SO GRATEFUL THAT YOU CALLED ME OUT. MADE ME HAD TO LOOK IN THE MIRROR. WHAT A GIFT. THANK YOU SO VERY MUCH DAVE AND CREW !!!!!!!!!!!
BECKY: Do you literally mean beans and rice or is that an exaggeration to make a point?
DAVE: BECKY YOU'VE GOT TO BE KIDDING ME
🤣🤣🤣🤣🤣🤣🤣🤣
🤣🤣🤣
Love the ratio analogy. That helps a lot to put into perspective.
Just paid off my car loan early! Feeling very happy!
Great job😀
The guy who tweeted about Jay Z was clearly just salty and YES, entitled. Jay Z's money doesn't mean he is entitled to earn more. Also, Dave didn't mention this, but 42 million/year is JUST Jay's money. His wife earns about the same.
His wife doesn't come close to hit net worth,, Shes worth like 400 million will hes worth almost 1 billion himself..
And his master or his boss is worth in the trillions. Jay Z is just a corporate asset and can loose everything just like Michael Jackson did in a matter of seconds. He also in debt and I would imagine his house is worth more than his salary
lovefunkrockmusic That is still a great position to be in!
CC Libre Not it is not. Your selling your morals and dignity to get into the Music industry. The producer can take everything away from him and he can have a mental breakdown and commit suicide.
@@lovefunkrockmusic what the heck are you talking about? You don't know he owns his businesses and products? He's not an employee working for a white man.
This has been a great show to call my mind rather than some of the other podcasts I listened to.
When Dave Ramsey said,
"*chAinJ*"
I felt that. 😣
Dave is spot on (on a similar topic, the sky is blue ;) ). We started using cash and a debit card only. If/When we go out to eat, I am VERY aware of pricing. But more importantly, when grocery shopping, I grab exactly what is on my list and try to snag the generic brand options. Far less waste and cost.
But the point is as I'm looking for my items, I'm very aware about how much each item costs, as well as the approximate running total. When we scan the items at the self checkout line, my wife was semi-impressed as I rattled off the price of nearly every item just before we scanned it. 3 of 4 items were to the penny.
About rap: "I'm not mad at it"
Dave's awesome
Standing applause for rant number #10. It should inspire us, not invoke hate 👏🏾👏🏾👏🏾
Watching this on a relaxed Saturday morning at 1.25 playback speed. Pure gold start to finish. :)
for the first one it'd be 1000, 420,000 * 100 = 42,000,000. 100,000/100 = 1,000.
Weird so few people caught this? Not even Dave ?!?
Negative it would be $100
42,000,000/100,000 = $420
42,000/420 = $100
@@ShaveItDown except he said someone making $420,000 spending $100, and $42,000 spending $10
Thank you!!!! I’m not crazy lol
I was searching for this in the comments as soon as i heard him say that
This channel ought to be a mandatory college course
The community college my daughter attends uses this as the personal finance course. My 17 year old daughter will not do the stupid money things that I did. I'm so thankful.
Some people think someone else's money came out of your pocket. It didn't. When someone says they want to make a lot of money, I always say, you don't have to go make money, they make plenty of money, you just need to be smart and disciplined and hang onto the money that you come across. Working hard, being smart, changing jobs when you need to, etc. are big factors, but it's more important to be smart with what you have. I get excited by other people's successes, because it reminds me that I can have that success, as well!
Dave Ramsey for President!!!!!!!
Real talk at its finest
Woah your life changing. Powerful words. You are amazing!!
DAVE I love you so much. This is so logical and when u kept saying change I felt it. I am balling bcuz I need this tough love. I'm amazed by ur tough love but yet gentle. THANK U
By the way, it was a party for someone at his company, he was buying and giving out some of his own champagne.... He probably got to write some of that off as a business/marketing expense.
What a difference that amount would make to a community center that feeds the poor, a homeless shelter.....
Everyone creates their own success or failure
You nailed it. Ask anyone in bad financial shape and you will see a string of poor decisions and bad planning.
Joe Coolioness Except medical debt. Even if you have insurance, you can still get dinged with enormous amount of medical debt through no fault of your own.
$100 for $42,000
$1,000 for $420,000
TheConservativesrock I see I’m not the only one who noticed Dave’s errant math 😆
TheConservativesrock I don’t think he was trying to be specific just trying to make a point that with his income it’s not irresponsible of someone to spend 100k on a night on the town if he made 42m in 2017.
That's like not too bad though
Yea instantly knew the math was off, but honestly 1K is not allot for such an event.
Hi Dave. Massive respect for what you do and why you do it! Small miscalculation with the JayZ numbers but get the spirits of it!
Thank you Dave Ramsey for all the great education really appreciate it God bless you and your family
You’re a great person,Dave. Wish you health and wealth from my heart !
You know the server that posted Jay Z's receipt got fired.
I heard the orthopedic doctor in that restaurant got fired too, oh wait, he got another job. Wonder why?
Thank god for this dude. I’ve learned how to manage money from him more than anyone in my lifetime!
People used to hate on Michael Jordan and Charles Barkley for their spending habits, too. You are exactly right. You have to look at it in relation to their income. Also, it's nobody's business but theirs.
I’ve been lucky that my “getting out of debt car” is a truck I actually like 👍🏼
I like this guy. He gives the tough-love, brutal honesty that we all need to hear at some point.
I like turtles
@@phatcrayonz "Apparently"
celebrate others success I love that! Dave keep being GENIUS so many great things you say per minute its amazing keep it up
A requirement for graduating high school should be a semester of watching DR videos.
God bless you more Dave...I learn a lot from you
His Kermit the Frog impression about credit cards Priceless!
My POS car was a reliable Suzuki. I named it Trusty Rusty.
How many miles did you put on it? I'll be honest, I was window shopping for a new compact SUV, then I ran into Dave Ramsey's videos. Now I'm gonna drive my 2012 Corolla into the ground.
MANNY CARRASQUILLO: mine was a Chevy Cavalier station wagon . I named it "Puff, The Tragic Wagon".
_rocket surgery_
I love Dave Ramsey so much 😂
Everyone scoffs at this dude, but I would be willing to bet that 99% of people really don't know what they are doing with money. Most people DO NOT pay their credit cards in full every month. If they did, credit card companies wouldn't exist.
Not true, CC companies get like 3% of every transaction used with them. The business selling the product absorbs that cost though, so CC card consumers don't even see it
@@jordanneedscoffee Dave did explain that CC companies still get a cut when you use your debit as credit. It's small but they still get theirs.
@@kzamora2548 They don't get a cut from you, they get a cut from the business, so who cares?
@@jordanneedscoffee You should care (we all should) as businesses depending on the state laws, may be able to pass on up to 2.9% of these transactions fees on to the customer. So, yes, ultimately the consumer does "Pay more" for purchases through credit cards.....
@@queenb9572 Yeah sure and if Target did that all Wal Mart has to do is not do that and people will say "Oh look Wal Mart is selling everything cheaper than Target is go there instead". So no, businesses can't just "pass it on to the consumer", not if they wanna keep customers.
Great video David. Thank you for the wisdom.
Dave Ramsey you are awesome!!! You sound like my mother talking to me... God Rest Her Soul!!!
Love the Kermit the Frog voice..."oh no Dave...I'm 26 years old, I got this figured out, I make $42,000 a year..."
I like how SO MANY people listen to these rants, and all they take away from it is that his Jay Z math was off by a percentage point - and have to JUMP ON to post it in the comments. Maybe try listening to the overall message, which is still the same.